The insurance / responsibility question really shows how moronic bureaucracy has made us. To rephrase naysayers in a more first degree way: "sure there would be less accidents than when the vehicle is driven by a glorified ape, but for the fewer people still killed or maimed, we wouldn't be sure whom to blaim. So we'll keep killing more of them through ape drivers, rather than rush the paperwork-rethinking trauma".
Eh, a half-dozen really smart companies are pursuing self-driving technology. If it were really a concern enough to keep it off the market, they wouldn't continue working on it.
Thankfully, morons don't indefinitely prevent progress, most of the time. But their existence, and the fact that they're not labelled as "painfully, obviously moronic" by most people / media is infuriating.